Negative Message Memo Essay Example

Negative Message Memo Essay Example Negative Message Memo Essay Negative Message Memo Essay Notice To: Carolyn Smythe From: Director of Human Resources Date: April 20, 2011 Subject: Volunteer Program I am composing this update in light of the email demand that you sent me about including the Center for Non-Violence to our volunteer program. I might want to begin by saying that we here at Dawson Engels extraordinarily value your information and your enthusiasm for extending our volunteer program to more readily support the network. Nonetheless, we won't have the option to incorporate the program you recommended in our rundown of organization volunteer projects. The explanation we ca exclude this program isn't a result of what it as of now does, but since of how it’s past may concern certain individuals from our organization. The association being referred to has a past filled with fighting military activity in light of political issues. This particular piece of the associations foundation could insult veterans and the groups of officers who are at present dynamic. So as to guarantee that none of our clients or representatives are vexed, declining this specific association appears the best choice. I comprehend your explanations behind proposing this association, since they do a ton of extraordinary work with assisting with giving compromises in schools. I have been able to perceive how this program functions direct and I concur that it helps out with the huge number of vicious flare-ups that are going on in schools. Despite the fact that this program couldn't be added to our organization list, I urge you to assist with the association in at any rate you can. With assistance of individuals like you, the organizations’ picture could be changed so organizations, similar to our own, future keen on supporting and assisting. Despite the fact that the organization couldn't acknowledge this proposition, I trust that you will keep on giving us criticism and recommendations on how we could additionally improve this organization. In the event that you have any inquiries or worries that you might want to talk about with me, don't hesitate to get in touch with me at [emailprotected] com or at (456) 878-9120.

The Age of Innocence by Edith Wharton Journal

The Age of Innocence by Edith Wharton Journal The battle between the individual and the general public is one of the primary subjects in The Age of Innocence by Edith Wharton. During the entire conversation, the creator attempts to make a logical inconsistency between one individual and the general public from various points. All things considered, there is one particular perspective that ought to be pointed at.Advertising We will compose a custom exposition test on â€Å"The Age of Innocence† by Edith Wharton Journal explicitly for you for just $16.05 $11/page Learn More Medora Manson, Agathon Carver, Emerson Sillerton, and Ned Winsett are the bohemian characters who show up in the novel The Age of Innocence by Edith Wharton. The principle thought of such appearances is to show the distinctions in the general public. The time talked about in the novel is described by the sharp contrasts between various nations, layers of populace, and so forth. To show the contrast among Europe and America the creator embeds an auntie, M edora Manson, who took Ellen to Europe when she was a youngster. Being raised in another nation her arrival to America assists with seeing the distinction in sees. Perusing the novel, it is conceivable to see that much of the time the comparable class is appeared. There is no lower class or the center one. In any case, the presence of the columnist, Ned Winsett, who is from an alternate group of friends, is significant. This part in the novel causes a peruser to get the entire circumstance in the general public. Much consideration is paid to conversation of one specific class of individuals who portray one group of friends. In any case, it is critical to ensure that the peruser comprehends the time which is thought of and can see the entire picture (Bloom 169). The presence of these few characters causes the peruser to get the fundamental data and make suitable determinations. These little scenes are the main ones which are made for making an inconsistency among classes and individu als as the structures. In different cases an individual is gone up against to the entire society. Whartons portrayal of the demi-monde gives us a fractional vision of the city which disregards the genuine presence of underclasses. The creator needed to show the showdown of individuals of very much the same class, to introduce the distinctions which exist in the general public at indeed the very same level. The nearness of the various classes could prompt misconception of the subject in the novel. In any case, the writer expected to introduce the time he portrays to ensure the peruser can comprehend the entire picture.Advertising Looking for paper on american writing? How about we check whether we can support you! Get your first paper with 15% OFF Learn More The bohemian characters that show up are significant along these lines. Be that as it may, the fundamental thought the creator needed to introduce is the issues which existed in one group of friends. The battle of one individual against the entire society is actually what the issue is and the creator of the content could underline this issue just by methods for introducing just a single society. The numbness of the underclasses is deliberate as those classes are a bit much in introducing the contention the creator portrays. Perusing the novel, it is conceivable to comprehend the incredible distinction among American and European social orders. American culture is excessively preservationist. Individuals in that society can't see how it is conceivable to flee from a spouse, how it is conceivable to have such an outrage notoriety as Ellen Olenska has and still show up in the general public, have an ordinary existence and express close to home perspective, disappointment with a husband and his choice. The distinction of the European and American social orders might be seen through Ellen Olenska and May Welland. These two ladies are raised in various social orders and they have totally various methods of conduc t. Ellen Olenska has chosen to leave her better half and how has an affection illicit relationship with another man, who has a spouse. In the event that Ellen Olenska became acquainted with that her better half has a darling ought to would leave without thinking about the results. In any case, May Welland a spouse of that man demonstrations totally unique. Family is everything for her and she is prepared to ensure her family utilizing every conceivable mean. Monitoring the husband’s selling out, May Welland doesn't leave the nation searching for security, she does all conceivable to persuade Ellen Olenska that she is pregnant and she is to leave. At that point, when she comprehends that her better half is going to leave her, she says him regarding her pregnancy (Wharton 305). A man in that society can't leave a lady with a youngster alone. That is the reason, he remains. The distinction in conduct, perspectives and the thought of life are self-evident. American culture reflec ted through the fundamental characters May Welland and Newland Archer is gone up against to the European one introduced by Ellen Olenska and her better half Polish Count Olenski, an European aristocrat. The distinction in vision of the family is obvious.Advertising We will compose a custom article test on â€Å"The Age of Innocence† by Edith Wharton Journal explicitly for you for just $16.05 $11/page Learn More Americans regard the establishment of a family and do all conceivable to save their connections, while Europeans don't regard family as something hallowed. That is the reason they have issues, outrages, and so forth. The social, social and different contrasts might be finished the connection to the family by the characters referenced previously. Blossom, Harold. Edith Whartons The Age of Innocence. New York: Infobase Publishing, 2005. Print. Wharton, Edith. The Age of Innocence. New York: Forgotten Books, 2010. Print.

Why Eustress Is Your Friend

Why Eustress Is Your Friend Stress Management Situational Stress Print Why Eustress Can Be Your Friend By Elizabeth Scott, MS twitter Elizabeth Scott, MS, is a wellness coach specializing in stress management and quality of life, and the author of 8 Keys to Stress Management. Learn about our editorial policy Elizabeth Scott, MS Updated on September 30, 2019 How Stress Impacts Your Health Overview Signs of Burnout Stress and Weight Gain Benefits of Exercise Stress Reduction Tips Self-Care Practices Mindful Living KNSY/Picture Press/Getty Images Not all stress is the same. Some of  the stress that we face in life can be more detrimental to our well-being, and some types of stress can actually be healthy for us. For example, chronic stressâ€"the type of stress that seems to be constant and psychologically or emotionally drainingâ€"is the most harmful to our health and wellbeing. This kind of chronic stress can trigger the stress response and keep it triggered for long periods of time, leaving us exhausted and close to burnout. Why Eustress Is Good Stress Eustress, on the other hand, can be beneficial  and is actually necessary for our overall wellbeing. This is the type of positive stress that keeps us vital and excited about life. The excitement of a roller-coaster ride, a scary movie, or a fun challenge are all examples of eustress. The anticipation of a first date, the first day at a new job, or other exciting firsts also fall under the umbrella of eustress. Eustress is a type of stress that is actually important for us to have in our lives. Without it, we would become bored at best and, in more serious cases, depressed. We would begin to feel a lack of motivation to accomplish goals and a lack of meaning in life without enough eustress. Not striving for goals, not overcoming challenges, not having a reason to wake up in the morning would be damaging to us, so eustress is considered good stress. It keeps us healthy and happy. Identifying Differences Between Stressors Understanding eustress can help us to more easily manage other types of stress as well. For example, research shows that when an event is perceived as a threat, we respond to it differently than if its seen as a challenge. Threats tend to elicit a greater stress response from us and create greater levels of anxiety. Challenges, on the other hand, can be exciting, and even enjoyable to overcome. Threats are scary, while challenges are opportunities to prove ourselves and learn how much were capable of accomplishing when we really try. This understanding reminds us that we can view many of the stressors in our lives as challenges rather than threats merely by changing how we talk to ourselves about the challenges and by focusing on the resources we have to handle these challenges rather than focusing on what may go wrong and how damaging that would be. Changing Your Perspective and Maintaining Balance When we work on shifting our focus and approaching stress as a challenge whenever possible, we can manage these challenges more easily and have more vital energy to handle these stressors, without a feeling of being overwhelmed or unhappy. Trying to approach various stressors in life as wed approach eustress enables us to manage that stress more easily. That said, while eustress doesnt generally carry the same type of damage as chronic stress, too much eustress can still tax your system. Just as a schedule can become overloaded and stressful even if the events are all fun activities, you can feel overloaded and stressed by too much eustress if youre not allowing yourself to return to a relaxed state and have a healthy balance of restorative downtime. Hence why its balance is essential. A balance between work activities and fun activities is important, but a balance of eustress and leisure is also an important focus. Being Mindful of Your Limitations Changing ones perspective can certainly help with stress management, but its not the only strategy that should be used. If you have too many challenges in your life, even eustress can become chronic stress and lead to burnout or worse. Its important to be mindful of where your limitations are and to work to maintain balance in your life. This can mean cutting out any unnecessary obligations (particularly ones that you dont enjoy), adopting some resilience-promoting habits that can help you to be less reactive to stress overall, and become comfortable with saying no to new activities if they wont truly serve you. This takes practice but it can make all the difference in your stress levels.

Studying The Pollution In The Banking System Finance Essay - Free Essay Example

Sample details Pages: 11 Words: 3178 Downloads: 8 Date added: 2017/06/26 Category Finance Essay Type Analytical essay Did you like this example? The $100 billion question shows that a several big issues, which are being debate all over the time after a great depression. The pollution in the banking system resulted a lot of serious social cost and the governments are trying to tackling them by different ways. In fact, there is too hard to find perfect solution for this issue. The cost of the banking pollution is the systemic risk, which is often ignoring by the banks and financial institutions. The systemic risk is being ignored because of the natural humanity of the people. People always more concern about the private benefit and the private cost of themselves. The bankers are not the exception. They only see the benefit and the risk inside their banks, and never concern about the systemic risk because if they do so, they will think about what is the benefit for them. Therefore, the governments have to act as the role to sort it out. The banking crisis is the retribution to the banks for generated the bank ing pollution through those products and financial services. But unfortunately, problem had become the social cost and encumbered the innocent public. Nowadays, there are still have some of the people believe that market is always get it right because people usually rely on price and market sort everything out most of the time. They believe that the market is self-correcting, self-policing, and self-regulating. The invisible hand, is means by the self-regulating nature of the marketplace and it is the metaphor coined by the economist, Adam Smith. But, in fact, according to several of the real life market crisis, it seems like it doesnt always get it right. The market is not self-correcting, and we can see this point through the events of banks are not lending money to other banks the other consumers because they scare to take risk after the subprime crisis. The market doesnt get it right when there are externalities, which create the social cost that generated by the impact of an individuals action to the innocent public. Sometimes, in the normal market system, something is affected but is not accounted on and consequently generated the social cost. Therefore, market cannot predict explicitly when disaster will happen in the market. By the reason of the market didnt realise the systemic risk, so they were keep doing that in a wrong way because they dont know it will going to harm the whole system. Therefore, the collective of the systemic risk create the banking bubble and the creator of the precedent might be the mortgage backed securities and the over lending bank. It was a triple A rating security and people feel safe to hold it and enjoyed the return that its paid whereas, the bankers over lending the loan in order to get more profit as they could, but they neglected to set aside of sufficient capital to reserve for the risk management. Hence, people got shock when subprime crisis exploded and most of them unable to survive in the climate change. The go vernment regulatory should be balanced with the free market. The regulator should increase the capital requirement in the bank to overcome the lack of trust existing between the banks in order to achieve a greater balance government regulatory actions and the free market. Furthermore, the government should let the market sort it out by itself. Normally, people prefer the market sort it out by organizing the price system, but if we dont know what the price should be. If there is a small amount of extra pollution, then just dont produce any more than that. The social cost that generated by the banking by the banking pollutant should be mitigated. The government is the one, who responsible to consider the public benefit. Moreover, it plays a vital role in the regulation of banking system and securities that ensure the markets keep moving on. Therefore, government should step in to mitigate the problems that created by the banking system because it is the critical factor that to over come the crisis with the market. There is too much pollution in the market and those pollution is immeasurable. Nowadays, the demand of the people is too much, so the bank took more risk to create more products to fulfil the customer demands and consequently make the banking system become more complicated. So, the intervention of government can stop them to avoid the increase in the systemic risk. But the Basel II, seem to be unuseful, because it set the level for the capital requirement is too low. Due to the lesser capital that set aside in the banks, the bank unable to cover the loss during crisis, because they are totally run out of fund. So, the government bailed out the bank to avoid the whole system break down, because if one of the banks is fail, the others will fail too. There is an interdependent relationship between the banks. If the bank fails, it will cumbrance the other bank too. Now, the Basel III has just came out, it is improved the regulations with the higher capit al requirement, stronger risk management strategic, and so on. The risk in the market is measurable whereas the uncertainty is cannot be measured. The example of the risk in the market is credit risk, liquidity risk, operational risk, and so on. Instead, the uncertainty is bigger, it may be has more serious effect to the market than the risk. For instance, the climate change for the market is uncertainty, because nobody knows when it going to happen and it always result in an enormous cost to the public. The systemic risk is the highly complexity and uncertainty, and it drove most of the crisis. Therefore, governments are struggling to depress the systemic risk in order to reduce the likelihood of the crisis by stopping the banks from taking the risky investment. One important dimension of the debate concerns the social costs of systemic risk. Determining the scale of these social costs provides a measure of the task ahead. It helps calibrate the intervention necessary to tack le systemic risk, whether through regulation or restrictions. (Haldane, 2010:2) Thats means the social cost of systemic risk is very important and the scale of it needs to be measured out because it can helps in the intervention process as a criterion to tackle systemic risk, whether through regulation or restrictions. Normally, it is evaluating by either the fiscal or the foregone output costs of crisis and the past crisis cost is usually larger and permanent. Research by Haldane (2010) concluded that, the losses of the US is less than 1%of the US GDP and for UK, the direct cost may be less than  £20 billion, or a bit more than 1% of GDP. The 1% of GDP is seem to be a tiny part of the GDP, but for the taxpayers, who are paying tax to bail out the banking system, is seem to be an astronomical number because 1% of the UK GDP is almost  £20 billion. They may never get this amount in their life. For US, the losses are currently estimated to be around $100 billion, and that means th e taxpayers had to pay for $100 billion out. The US population is about 300 million, and then each of them has to pay about 333 US Dollar. Actually, the losses of GDP could be lost it forever because of the time value of money. After a few years, the losses of UK GDP divide by discount rate, it might be few hundred billion pound losses. For example, assumes that the GDP after 10 years can be 120% of the current GDP, if the GDP didnt loss, the actual GDP after 10 years will be 130%. So, they are actually lost 10% of GDP. The collapsed of bank led to the collapsed of the GDP because the banks role is to lend money to keep all the things moving on, if the bank collapse, means the lending resources collapse too and consequently the GDP collapse. Subsidy that government paid to banks is the financial assistance to the banks and that is the way how government to secure the banking system stability. How the losses of the banks could reach the amount of $100 billion? That is because the implied government subsidy to the banks didnt counted into the cost of the bail out. For instance, if the government guarantee or protect everybody that lending money to the banks, then the investors will feel safe and that is not risky than they thought. Therefore, they think maybe they shouldnt charge 5% interest to the bank, and go to 4.5% because if the banks fail, the government will pay to them. The indirect subsidy import by government has reduced the cost of borrowing and consequently the banks make more profit because they are borrowing at a lower rate and lending at a higher rate and those profit actually is based on the subsidies. Hence, the actual subsidy should including the indirect subsiding in the evaluation of the fiscal cost. In essence, subsidies have many unintended consequences which can be damaging to the markets environment and social equality. Sometimes, too much of the subsidies are paid, they might create the imbalance in the free market and lead to the mar ket unable to correct by itself. Consequently, the banks are being too relied on the subsidies from government and they are taking more risk for the higher return, because they know that government will cope with the problem when they are trapping in the hot water. Banks shouldnt be over winked and shielded, and the government should set a limit to the subsidies according to the banks size. The credit rating agencies are the proxies to evaluate the rating of the banks that use to refer by the government to decide the amount of subsidies need to inject. In additions, they also provide the support and independent of credit rating to the bank. Nonetheless, the public had doubt about the ability of credit rating agencies after the subprime crisis in US. Investors trusted credit rating agencies to issue accurate and impartial credit ratings, but that trust was broken in the recent financial crisis, according to Levin (2007 cited in Dayen, 2010:online) That is because the mortgage back ed loan that the credit rating agencies rated it as a triple A security was default. The credit rating agencies rated the mortgage backed loan based on the past data and neglected the higher underlying risk of it. The government should intervene in the credit rating to ensure the independent, accuracy of the rating and no frauds exist in the rating process. Research by Haldane (2010) concluded that, the bigger size of bank, the more subsidies are needed and over the past century, the subsidies that supported to bank just like an up-only escalator. The bigger banks have to dealing with the more complicated market that related to the moral hazard, economic specialization, and monetary theory. The complicated banking system consist a lot of underlying risk that the banks cant cope with and they dont even know those existing risk. Hence, the bigger bank, the bigger risks they take. The UK government choose to tax them in order to repair the damage that the banks created during crisis . I dont think merely raising the fees or capital on large institutions or taxing them is enough theyll absorb that, theyll work with that, and its totally inefficient and theyll still be using the savings., according to Greenspan(2009 cited in Wikipedia, 2010:online) Thats mean, levy tax on the banks is not an effective way to the problem because even though their profit is lesser, but they still can taking a higher risk to earn it back by investing more, or they can still using the savings from depositor. It is seems to be insensible, because the banks allowed to invest in the risky investment and if any failure appear, the government will support them through subsidies. In essence, government should cut down the size of the bank, which is considered too big to fail. The issue of Should government tax or prohibit the banks? is being debate hotly in the world. Taxation solution is to ensure the banks making a fair contribution for social cost that they made, which pose the pote ntial risks to the financial system and the economy. Moreover, it can create higher buffer of capital and the liquid asset to ensure the banks able to recover the losses by themselves. If government tax at the price to the bank, then they wont make risky decisions. Nonetheless, as a tradeoff for the holding higher capital and liquidity asset, the banks will reduce their profit and maybe put up the cost of the people, who is trying to borrow money from banks. Whereas, the prohibit solution is the restriction on the banks activities as well as the size of them and the structural reform of banking may take place. Furthermore, the activities of the banks will be separated in order to stop them from doing the activities that may cause the systemic risk. The complex system consist a lot of error and underlying risk. The system is interconnected, it is not about the individual unit, because the individuals mistake wont affect the bank much, but if one of the systems failed, it will affect the overall banking system. The separation of activities is to prevent all the things ruin once. Assumes that the banking system is a forest and the tree in the forest was plant separately, if the fire burn up the forest, it will not burn off the whole forest because of the fire breaks. The fail of the system can be affect by the outside attack or inside attack. For example of the inside attack is the remuneration system in the bank that create a lot of the individual errors. The prohibition can aid the system resilience because the separation of department can simplify the system, and they can fit together, the most important thing is, if one of them destroy, it cant affect the others. Maybe the government can separate all the section in a bank and eat section is manage by different company. Some of them can manage securities transaction, some of them of them can receive the deposits and lend it out and simplify some of the activities to create a robustness financial system. One of the prohibitions benefits is diversify the risks and having diversity. The bank always does diversification and all of the banks diversify the risk exactly the same way because everything in the financial system actually is same. Hence, they do a lot of diversification but they are not diversity. Glass-Steagall Act is a restriction approach that established in year 1933 after the US stock market crisis and repealed in year 1999 because it created the barriers between the commercial bank and the investment bank, and the banks had a lower competitive situation than the foreign banks. The Glass-Steagall Act was over setting the restriction, and caused many people complaint about it. According to the Weitzmans theory, the economy just like environment and he described that the climate change as a disaster of the economy. The climate change in the economy is unpredictable. The factors that create the climate change are also indiscernible. The impact of it would be enormous and wider, the public usually get shocked from it. The pollution that created by the banking system generated the systemic risk and consequently formed the bubble, and the bubble is uncertain because people dont know when it going to explode. Social cost will be increase aftermath of the climate change. Some of the people dont even care about the social cost, they just concern about their benefit, and that is one of the reasons created climate change. Bankers only see the risk in their bank, whereas the government see the whole banking system risk systemic risk, which is the main factor that led to the great depression. The government should check the level of the pollution and the possibility of the climate change in order to lower down the pollution before it is too late. If we dont know how serious of the pollution and unsure about that, then a small change may make the economy flip over. The banking developments are being grown faster in order to fulfil the demands of the people. One of the developments should be the more capital and liquidity asset are required to hold than they otherwise would to reduce the leverage ratio of banks and avoid them to over taking the risk. The lesser fund that the bank can be used, the lesser ability that they can invest, and consequently lower the risks. Even though the banks profit will reduce the profit of the bank, but the government not only see the banks benefit, in fact, government see the bigger risk, which is system risk. Besides that, the banks have got bigger and many activities are combined and hence, the economies of scale can be achieved. The investment banks combined most of the activities and make a profit from it. That is because the investment bank dealing with the pension fund and the insurance companies even though they do not receive deposits but they still can get a lot of large amount of fund from those institutions. They are the part of shadow banking system and they are not regulated. The investment banks use those funds selling and buying the securities to make profit and create a market to selling or buying the securities too. So, they have to borrow some money too to organize the market place and they do act like a bank because they are borrow in short-term and lend out in long-term. Hence, they are also created the systemic risk and since they are not regulated and did not have capital requirements, therefore, they are under increasing scrutiny and regulations after the subprime meltdown in 2008. Securitization is one of the banking developments. It is process of an issuer use a financial instrument to repackage the financial asset and sell it to the investors. Banks lend out a loan, might sell as a bond to an investment bank get the cash back and lend the money to other different type company to diversify the risks. In addition, the bond is rated before it issue out. Nowadays, the financial system is complex and difficult to regulate it and a lot of the events show that it i s still fragile. Everyone has been learned from the past crisis, and they are still struggling to reduce the likelihood of the crisis. Moreover, most of them havent recovered back from the crisis impact. The revolution should be taken and tried to jump out from the hot water because remain unchanged is just like it block the escape way by yourself. The reformation can help the banks able to survive when the climate change or to prevent the climate change. Nevertheless, the perfect way to sort it out is still need a longer time to figure it out. Furthermore, the $100billion question is still puzzled us. Don’t waste time! Our writers will create an original "Studying The Pollution In The Banking System Finance Essay" essay for you Create order

The Life of Katherine of Aragon - 1465 Words

Katherine of Aragon is famous for being the first of Henry VIII’s many wives, the one who fought back and defended her papally sanctioned marriage; the mother of Mary I; and the daughter of Isabella of Castile and Ferdinand of Aragon, founders of the kingdom of Espaà ±a. These facts place her in the position of a traditional sixteenth century woman by defining her as wife, mother, and daughter. In these roles, many women have been overlooked as the subject of their own study, and it certainly makes sense to do this, as on the surface they are not in control of their own agency. Looking deeper, however, one can see that this role places women instead in a position of power. From behind the scenes, women like Katherine were able to pull the†¦show more content†¦Once the last Plantagenet was out of the way, Isabella and Ferdinand sent Katherine off to England with a valuable trousseau and a fleet of wealthy Spanish nobles. The trip was long and hard, but when they arriv ed in Plymouth they were greeted with joy and excitement. There were celebrations and dinners before they continued on their way to London. On the night of November 4, at the Bishop’s Palace in Dogmersfield, Henry VII, his son Arthur, and members of the Privy Council arrived unannounced to see the Infanta. After being told that she was already in bed Henry insisted on seeing her anyway and proceeded to her room where they met for the first time. On November 9, Katherine arrived in London, and she and Arthur were married on the 14th. After their marriage, they were taken to their public wedding bed, where they were to consummate their marriage. According to Katherine’s testimony in later years, nothing of the sort actually happened. When the couple emerged from the bed the next morning, the English report seeing a healthy boy of sanguine complexion. Yet both Katherine and her Duenna continued to insist that she was still a virgin. Whatever their status, the newlyweds so on went off to a castle in the country, where they stayed until Arthur died in April of 1502, less than six months after they had been married. Widowhood and Father Figures Following the death of Prince ArthurShow MoreRelatedMary Tudor s First And Only Child Between Her Mother And Father1140 Words   |  5 PagesMarissa Coffman-Spence San Saba High School English 1302 2 March 2015 Mary Tudor Mary Tudor was born February 18, 1516 to Katherine of Aragon and King Henry Tudor VIII. She was the first and only child between her mother and father. In her early life, the people of England and the royal court adored Mary greatly. â€Å"She was by nature modest, affectionate, and kindly. Like all Tudor princesses she had been well educated, speaking Latin, French, and Spanish with facility, and she was in particularRead MoreThe Exciting Life of King Henry VIII1297 Words   |  5 Pagesthe churches and monasteries then destroyed. (â€Å"The Life of King Henry VIII (1491-1547)†. Biography of Henry Tudor, King of England.) King Henry VIII stayed catholic while everyone else was beginning to become Protestantism. King Henry VIII was married to Catherine of Aragon for twenty-three years. Their marriage dissolved in 1533. Catherine of Aragon was born on December 6th, 1485 in spain then later died on January 7th of 1536. Catherine of Aragon was the youngest surviving child of Ferdinand andRead MoreEssay about Henry VIII1567 Words   |  7 Pageshandsome and full of life. He loved music, so much that when he was only ten years old he could play many instruments including the Fife, Harp, Viola, and drums. He was also very smart. He could speak French, Latin, and a bit of Spanish. He loved Hunting. His favorite sports were hunting ,of course, and wrestling. Henry had and an older brother named Arthur. He was he was the family heir to the throne. Therefore, his father arranged a marriage for him. He was to marry Catherine of Aragon when he turnedRead MoreIs Queen Mary The First?1042 Words   |  5 Pagespaper, I’m going to talk about her family, what she did during her rule, the way she controlled the economics of Europe, and the standard of life during Mary’s life time. Let me tell you more. There are many reasons Mary’s family was important to the way she was. Mary was the only child that lived although she was unhealthy, so her mother, Katherine of Aragon, loved her a lot. Mary’s father, King Henry the Eighth, loved her as a child because he could send her to Noblemen, to other kingdoms, etc.Read MoreAnalysis Of Philippa Gregory s Three Sisters Three Queens 743 Words   |  3 Pageswritten by Philippa Gregory, takes place in 16th century Europe, an era characterized by powerful monarchs whose personal and political life are incredibly complex and intertwined. In particular, this story focuses on three women who will become the queens of Scotland, France, and England, respectively: Margaret, her sister, Mary, and their sister-in-law, Katherine of Aragon. The story is told from Margaret’s point of view, who provides a unique yet often disregarded female perspective of this era intendedRead More Katherine of Aragon - Tragic Heroine of Henry VIII Ess ay1982 Words   |  8 PagesKatherine of Aragon - Tragic Heroine of Henry VIII   Ã‚  Ã‚  Ã‚   Among the bevy of female characters to grace the Shakespearean stage, Katherine of Aragon in Henry VIII is perhaps the most enigmatic. Despite the range of possibilities in other female roles-such as Cordelia and Desdemona, in whom one certainly finds desirable traits-Katherine stands out as a tragic heroine: a secure, strong-willed woman who is articulate, passionate, charismatic, and altruistic. The unique qualities of Katherine areRead MoreKing Henry VIII and his Great Impact on the History of England2165 Words   |  9 PagesKing Henry VIII was one of the most powerful rulers in the fifteenth century, who had a very captivating life many people are not aware of. Most people know Henry VIII as a berserk king with too many wives, but there is more to Henry VIII than that. Many few people know about his life and what he truly contributed to our world. Henry VIII was an almighty leader in England who won’t soon be forgotten. Henry VIII was born in Greenwich, England on June 28, 1491. At the age of just two yearsRead MoreThe Black Death2711 Words   |  11 Pagesfields. Landlords had to offer better incentives then the next in order to keep their help. Peasants began to be more vocal which caused mass uprisings throughout Europe during the 14th century. The rise in morality caused many people to appreciate life and the human condition more. The Black Death impacted the medieval world in many powerful yet harmful ways but helped bring the renaissance to Europe. Desiderius Erasmus sometimes called â€Å"Prince of the Humanists† was a dominant fixture in the earlyRead MoreQueen Mary Of A Bloody Mary Essay1503 Words   |  7 Pagesblame for her actions as Queen, her childhood was great, her reign was short, and death will always be remembered in the history of the Tudor dynasty. Childhood Mary Tudor was born on February 18, 1516. Her parents were Henry VIII and Catherine of Aragon. She was the oldest of two half siblings. Everything was going well for the family until; Mary s father realized that he had to divorce Catherine. The reason for the divorce Mary s father knew that In Marrying her he had sinned twice over: onceRead MoreKings and Queens: The Tudors Essay1228 Words   |  5 Pagesmarriage, Owen and the queen ended up having a son named Edward and it was said that he was to be the next in line for the throne, but he passed away before he could assume the throne, So the next one in line was Henry VII (â€Å"Project Britain; British Life and Culture†) King Henry VII was next in line to take over the throne, but could not, because of Richard the 3rd was king at that time. In August 22, 1485, Henry changed all of that, during the battle of Bosworthfield Henry killed Richard and became

Unit 9 the Welfare System Human Services and Social Policy Free Essays

string(172) " Foster care parents who open their homes where children who need a safe haven for a few weeks or months, or long term foster care homes where children may live for years\." The Welfare System The Welfare System Instructor: Dr. Michelle March HN300-01 DUE: 12/20/2011 Instructor: Dr. Michelle March HN300-01 DUE: 12/20/2011 Franklin Moe, Jr. We will write a custom essay sample on Unit 9 the Welfare System Human Services and Social Policy or any similar topic only for you Order Now Human Services Social Policy Franklin Moe, Jr. Human Services Social Policy To understand the â€Å"Welfare System† one must know its history. The American welfare system has changed dramatically over the past 80 years. A 100 years ago, families, local communities, and charities; typically religious based, served as the safety net for those who had fallen on hard times. The Great Depression of the 1930s would see a change in social policy with the passing of President Roosevelt’s â€Å"New Deal† establishing Social Security and Aid to Dependent Children (ADC. ) Thus was born the American Welfare System. The U. S. welfare system stayed in the hands of the federal government for the next sixty-one years. Many Americans were unhappy with the welfare system, claiming that individuals were abusing the welfare programs by not applying for jobs, having more children just to get more aid, and staying unmarried so as to qualify for greater benefits. Further expansion came with the Johnson’s administration in the 1960s with the establishment of Medicare, Medicaid, Public Housing, and other programs. During the Reagan presidency it was claimed that mothers with infants should not be allowed to become dependent on the welfare system, and that providing assistance for children under one year of age constituted such â€Å"dependency† The welfare system remained relatively unchanged till 1996 when President Clinton signed a sweeping welfare reform law that is still a hot topic of public controversy today. When Clinton was elected he had the intention of changing the welfare system. In 1996 the Republican Congress passed a reform law signed by President Clinton that gave the control of the welfare system back to the states. Conservatives claim a dramatic decline in welfare caseloads, while Liberals attribute the decline to a once healthy economy (www. welfareinfo. org). â€Å"Compared with those of other western industrialized nations, the U. S. social safety net is exceptional in numerous ways. Federal, state, and local governments in the United States spend far less on social welfare per capita than do peer nations† (Schaefer Simmons, 2009 p. 1). The purpose of the welfare system is to address social problems (www. policyalmanac. org (ND) retrieved 11/27/11). â€Å"Some argue that the â€Å"importance† of a social problem depends on two things (1) the power and social status of those who are defining the problem and urging the expenditure of resources toward a solution and (2) the sheer number of people affected. Thus, the more people affected and the greater the social power and status of those urging a solution, the more important the social problem† (Chambers Wedel 2009 p. 7). However, it should be understood that social problems are â€Å"highly variable and depend on the viewer† (Chamber Wedel 2009 p. 9). â€Å"There are four points to consider when doing a social problem analysis: 1) Identify the way the problem is defined. 2) Identify the cause(s) to which the problem is attributed (its antecedents) and is most serious consequences. 3) Identify the ideology-the values, that is-that makes the events of concern come to be defined as a problem. 4) Identify who benefits (gains) and who suffers (loses) from the existence of the problem† (Chambers Wedel 2009 pp. 9-10). The welfare system is too complex a subject, and the social problems the system addresses are beyond the scope of this essay. However, I will discuss the goal and objectives for creating the welfare system, and address how these services are distributed. The federal government provides assistance through Temporary Assistance for Needy Families (TANF). TANF is a grant given to each state to run their own welfare programs. The TANF grant requires that all recipients of welfare aid must find work within two years of receiving aid, including single parents who are required to work at least 30 hours per week. Failure to comply with work requirements could result in loss of benefits. Eligibility for a welfare program depends on numerous factors. Eligibility is determined using gross and net income, size of the family, and any crisis situation such as medical emergencies, pregnancy, homelessness or unemployment (www. welfareinfo. org retrieved 12/12/11). A case worker is assigned to those applying for aid. They will gather all the necessary information to determine the amount and type of benefits that an individual is eligible for. The new welfare system actively discourages mothers from marrying. As the entire emphasis is now on getting the mothers into the workforce, and adding that the period during which they can receive â€Å"benefits† greatly extends if they remain single, the new version of the welfare system is both undermining traditional family values and even contributing to the poverty level by its continuing focus on keeping mothers single and in the workforce. One cannot talk about the welfare system without a focus on child welfare. Child welfare is a broad term that is used to describe the process of protecting children from abuse and neglect. A comprehensive child welfare system usually has multiple components and may involve numerous social services agencies working together in a community to provide a safety net for vulnerable children. In most communities a child welfare services include investigations of child maltreatment, foster care, protective living arrangements for children, counseling, financial assistance, and adoption programs. The scope and quality of child welfare services varies a great deal from one community to another (www. welfareinfo. org retrieved 12/13/11). The purpose of the investigative program is to inquire into allegations of abuse and neglect. Many times these referrals are screened out. Many of these investigations do not turn up any evidence of neglect or abuse however, when the children are in imminent danger of harm from further abuse or neglect, the children services investigations will turn the case over for placement. Most child welfare services also provide foster care. Foster care can consist of emergency shelters where children are housed for a few hours or days. Foster care parents who open their homes where children who need a safe haven for a few weeks or months, or long term foster care homes where children may live for years. You read "Unit 9 the Welfare System Human Services and Social Policy" in category "Papers" Some child welfare services programs also operate residential programs which are specialized to provide care for children who may suffer from extreme emotional and behavioral problems. However, there are more children in need of foster care than there are foster homes and group homes in which to place them, child welfare agencies typically have programs for what is known as family preservation. The purpose of these family preservation programs is to provide intense counseling and support for a multitude of family problems according to The History of the Welfare System (www. voices. yahoo. om retrieved 12/12/11). Families involved in these programs may have a combination of problems that range from substance abuse, domestic violence, emotional problems, severe mental disorders, financial difficulties, and lack of appropriate parenting skills. The family preservation programs provided through the child welfare system helped to keep children in their homes when the abuse or neglect was relatively mild. When the parents receive the proper kinds of support and intervention many of them are able to continue to provide care for their children and keep them free of abuse or neglect (www. elfareinfo. org retrieved 12/14/11). Many child welfare programs also incorporate eligibility programs that provide welfare benefits to enable parents who live in poverty to apply for food stamps, Medicaid, childcare subsidies, housing subsidies, and other assistance to help these parents provide basic needs for their children. The ability to access these services allows many families to feel less stress in taking care of their children, and helps keep children from having their basic needs for food, clothing, and shelter go unmet (www. welfareinfo. org retrieved 12/15/11). Most child welfare services also have programs that arrange for adoption. Adoption is necessary for child welfare programs so that permanent homes can be found for those children whose parents are unable to raise them in a safe healthy environment. The termination of parental rights is the last resort for families who are not able to keep their children safe, but this process occurs after all the alternatives that child welfare programs have to offer and have been tried. The welfare system in and of itself is nothing; it is a conglomeration of policies and programs. There are three styles of welfare policy analysis: the analytic-descriptive, the value-committed, and the value-critical methods (Chambers Wedel, 2009 p. 44). While recognizing that political occasions will arise during which is essential? The value-committed approach is rejected because it is not open to new data or conclusions. The fact argues for the value-critical style which forces into the open, the effects of ideology is inherent in the analytic method use. The analytic-descriptive method fails as a policy analysis because it commits the analyst to unattainable assumptions. Such assumptions can be unrealistic because any judgment of social programs requires judgment of social worthiness (Chambers Wedel, 2009, p. 44). Chambers and Wedel explain there are six policy elements which form the cornerstone of every policy and program of the welfare system. It is these elements on which the practical social policy analyst ultimately will base judgments about a policy or program. The six policy elements are as follows: 1. Goals and Objectives 2. Forms of benefits or services delivered 3. Entitlement (eligibility rules) . Administrative or organizational structure for service delivery 5. Financing method 6. Interaction among the foregoing elements These six are without which a policy or program cannot be operated, they are necessary to implement a policy or program within the welfare system (2009, p. 38). Many studies have examined the effect of the Personal Responsibility and Work Opportunity Reconciliation Act of 1996 (PRWORA) on employment trends, financial s ecurity and family structure, but few have considered the implications for mental health issues. Yet mental health is central to a key objective of welfare reform. Results suggest that before PRWORA, welfare recipients did not differ from other poor women in depressive or alcohol dependence symptoms. Ten years after the reform, welfare recipients experience more depressive symptoms than other poor women. This suggests that welfare reform left unusually symptomatic women on rolls. The finding also suggests that mental health services are critical if welfare recipients are to succeed in making the transaction from welfare to work (Rote Quandagno, June 2011, p. 29-245). Changes will come over time, administrations will continue to tweak the system here and there in the hopes of coming up with something better than previous generations. Drug testing may very well be a viable way to control abuse of the welfare system in the future too, welfare policies and programs are a hit and miss kind of thing, and it will be interesting to see what the future holds for the welfare system. Pove rty is a phenomenon within a capitalistic society. No amount of funding appropriated for the welfare system will ever be able to completely eradicate poverty. Some people, no matter how much resources they are given, cannot pull themselves out of the clutches of poverty. This has been proven time after time when poverty stricken people win the lottery and end up worse off than they were before winning. As long as there is poverty then we can hope at least in the United States of America there is the welfare system to fall back on for the truly needy. References www. welfareinfo. org Schaeffer, H. L. amp; Simmons, E. D. The development of an unequal social safety net: Journal of Sociology and Welfare, Sep 2009, vol. 36 issue 3, p179-199 www. policyalmanac. org/social_welfare/index. shtml Chambers, D. E. , Wedel, K. E. (2009). Social policy and social programs: A method for the practical policy analyst (5th ed. ). Boston, MA: Pearson www. voices. yahoo. com/welfare Rote, S. Quandagno, J. : Depression and Alcohol Dependence among Poor Women: Before and After Welfare Reform: Social Service Review; Jun2011, vol 85 Issue 2, p229-245, 17p. How to cite Unit 9 the Welfare System Human Services and Social Policy, Papers

Train Ride free essay sample

Thursday night on the metro rail. Exhausted like always exiting work, but hey, life goes on. As I step into the south bound train to settle down and enjoy the ride, I see my victims for my assignment. About Ft. Tall, built, a skull tattoo on his right arm, bald, and with a pair of nice Nines, lets call him Tommy, since I didnt catch the name. Tommy was somewhat arguing with what seemed to be his girlfriend. His girlfriends name was Tania, and I promise my pockets would be bulging if I received a dollar for every time he said It.Tania, with her long curly jet black hair, nice body, must have messed up somewhere because Tommy wasnt having It. The look on his face was Like one of a murderer, ready to strike and not care. From my understandings, remember I was a distance so It was hard to catch on to them; Tania went out with a few friends the night before. We will write a custom essay sample on Train Ride or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Tommy was not aware of that since he did not receive a call from her. Of course she claimed she did, but Tommy never received the call. She kept trying to get near him and keep things cool, UT Tommy had no feeling to work with her. He would touch Is arm, attempt to lean on him, a tiny hug, anything to try and make it somewhat better. She knew she did something wrong from picking up on her actions. With all that, eye contact was very minimal from Tommy, more than half the time he was looking outside the window at the Miami nightlife. Every now and then, his arms would go up like he was conducting a plane for landing. I shouldnt say it, but it was quit amusing in a sense that I used to deal with the same situations back in the days.I work a good distance from my house, and they were on it all the way passed my stop. It takes me 30 minutes from work to get to my house, and they were silent for a total of about seven minutes, and thats being nice. Some other people I noticed were looking at them, because they seemed to be in their own world and no one was in it. My stop came, and I evacuated while they were still going at it. The last word I heard, and yes I did write it down, was movies. Im sure little lady Tania went with another little man to he movies, that was not Tommy. I wish I had the conclusion to this fiasco, maybe a little novella love story ending, with white doves flying around in the train. Or maybe Tommy pulling out flowers from out of nowhere, or even a little kiss would have shown that the war was over. It would be nice if they worked things out, because Tommy seemed as if he was having the worst day he could ever deal with. This assignment I found to be useful in the sense that you pick up on others gestures and actions.You do not have to know what Is going to or the whole situation to pick up on whats happening. I enjoyed it. Train Ride By memorandum bulging if I received a dollar for every time he said it. Tania, with her long curly Jet having it. The look on his face was like one of a murderer, ready to strike and not care. From my understandings, remember I was a distance so it was hard to catch on but Tommy had no feeling to work with her. She would touch is arm, attempt to lean actions.

Learn About the Sahara Desert

Learn About the Sahara Desert The Sahara Desert is located in the northern portion of Africa and covers over 3,500,000 square miles (9,000,000 sq km) or roughly 10% of the continent. It is bounded in the east by the Red Sea and it stretches west to the Atlantic Ocean. To the north, the Sahara Deserts northern boundary is the Mediterranean Sea, while in the south it ends at the Sahel, an area where the desert landscape transforms into a semi-arid tropical savanna. Since the Sahara Desert makes up nearly 10% of the African continent, the Sahara is often cited as the worlds largest desert. This is not entirely true, however, as it is only the worlds largest hot desert. Based on the definition of a desert as an area receiving less than 10 inches (250 mm) of precipitation per year, the worlds largest desert is actually the continent of Antarctica. Geography of the Sahara Desert Stocktrek Images / Getty Images The Sahara covers parts of several African nations including Algeria, Chad, Egypt, Libya, Mali, Mauritania, Morocco, Niger, Sudan, and Tunisia. Most of the Sahara Desert is undeveloped and features a varied topography. Most of its landscape has been shaped over time by wind and includes sand dunes, sand seas called ergs, barren stone plateaus, gravel plains, dry valleys, and salt flats. Around 25% of the desert is sand dunes, some of which reach over 500 ft (152 m) in height. There are also several mountain ranges within the Sahara and many are volcanic. The highest peak found in these mountains is Emi Koussi, a shield volcano that rises to 11,204 ft (3,415 m). It is a part of the Tibesti Range in northern Chad. The lowest point in the Sahara Desert is in Egypts Qattara Depression at -436 ft (-133 m) below sea level. Most of the water found in the Sahara today is in the form of seasonal or intermittent streams. The only permanent river in the desert is the Nile River that flows from Central Africa to the Mediterranean Sea. Other water in the Sahara is found in underground aquifers  and in areas where this water reaches the surface, there are oases and sometimes small towns or settlements like the Bahariya Oasis in Egypt and Ghardaà ¯a in Algeria. Since the amount of water and topography varies based on location, the Sahara Desert is divided into different geographic zones. The center of the desert is considered hyper-arid and has little to no vegetation, while the northern and southern portions have sparse grasslands, desert shrub and sometimes trees in areas with more moisture. Climate of the Sahara Desert Samere Fahim Photography / Getty Images Although hot and extremely dry today, it is believed that the Sahara Desert has undergone various climatic shifts for the last few hundred thousand years. For example, during the last glaciation, it was bigger than it is today because precipitation in the area was low. But from 8000 BCE to 6000 BCE, precipitation in the desert increased because of the development of low pressure over ice sheets to its north. Once these ice sheets melted, however, the low pressure shifted and the northern Sahara dried out but the south continued to receive moisture due to the presence of a monsoon. Around 3400 BCE, the monsoon moved south to where it is today and the desert again dried out to the state it is in today. In addition, the presence of the Intertropical Convergence Zone, ITCZ, in the southern Sahara Desert prevents moisture from reaching the area, while storms north of the desert stop before reaching it as well. As a result, the annual rainfall in the Sahara is below 2.5 cm (25 mm) per year. In addition to being extremely dry, the Sahara is also one of the hottest regions in the world. The average annual temperature for the desert is 86 °F (30 °C) but during the hottest months temperatures can exceed 122 °F (50 °C), with the highest temperature ever recorded at 136 °F (58 °C) in Aziziyah, Libya. Plants and Animals of the Sahara Desert kristianbell / Getty Images Due to the high temperatures and arid conditions of the Sahara Desert, the plant life in the Sahara Desert is sparse and includes only around 500 species. These consist mainly of drought and heat resistant varieties and those adapted to salty conditions (halophytes) where there is sufficient moisture. The harsh conditions found in the Sahara Desert have also played a role in the presence of animal life in the Sahara Desert. In the central and driest part of the desert, there are around 70 different animal species, 20 of which are large mammals like the spotted hyena. Other mammals include the gerbil, sand fox,  and Cape hare. Reptiles like the sand viper and the monitor lizard are present in the Sahara as well. People of the Sahara Desert Zine Elabidine Laghfiri / EyeEm / Getty Images It is believed that people have inhabited the Sahara Desert since 6000 BCE and earlier. Since then, Egyptians, Phoenicians, Greeks,  and Europeans have been among the peoples in the area. Today the Saharas population is around 4 million with the majority of the people living in Algeria, Egypt, Libya, Mauritania, and Western Sahara. Most of the people living in the Sahara today do not live in cities; instead, they are nomads who move from region to region throughout the desert. Because of this, there are many different nationalities and languages in the region but Arabic is most widely spoken. For those who do live in cities or villages on fertile oases, crops and the mining of minerals like iron ore (in Algeria and Mauritania) and copper (in Mauritania) are important industries that have allowed population centers to grow.

Where In The World Is CoSchedule Its Kind Of A BIG Deal... #OverheardAtCoSchedule - CoSchedule Blog

Where In The World Is Its Kind Of A BIG Deal... Blog When Kathryn and Nathan  host webinars, they usually kick things off by asking you gals and guys: Where are you from? Whats the weather like there? That probably has a lot to do with the kinds of conversations they have at the office, with their friends, and when they chat with family. Because  talking about the weather is pretty typical around here. And when  Kathryn and Nathan share  where the two offices are located, a lot of you are really surprised. So we want  to share the story with you about where we are why we LOVE it here and how its been a massive strategic advantage for (and therefore, a big win for our customers, too). Where in the world IS ? Its probably not  where  youd expectIn this video, Im chatting with Shannon Wiedman, s UI/UX Design Lead. Shannon grew up + loves it here, and she has some BIG things to share with you about  s home state. Youll also learn to start where you are with your business dreams (and how that can help YOU succeed, too). Subscribe to receive videos in your inbox: //

Appeal letter Essay Example | Topics and Well Written Essays - 1000 words - 1

Appeal letter - Essay Example This is because the philosophy that is taught is not the same as the one which I have been raised knowing and I attribute this failure to understand to the cultural and philosophical differences between Canada and my home country. My failure to understand most of the concepts in the philosophy curses has been very frustrating for me because it has led to a situation where I feel that despite all of my studying, I am not making any significant progress. My problems with the philosophy course came to be coupled by my illness which persisted from May to December 2014. During this period, I developed a nasal sinus cyst as well as having my right eyeball aching most of the time; making it difficult for me to conduct my studies as effectively as I would have liked to. Furthermore, as a result of the severity of my illness, I was forced to abandon the summer 2014 semester and this is a circumstance which was not only frustrating for me, but it also led to my poor performance. I went to see a doctor concerning my illness and despite his recommending that I undergo surgery, I was not able to because it is an expensive procedure and the insurance that I have in Canada cannot wholly cover. The lack of enough funds to ensure that I underwent surgery in Canada meant that I was forced to continue with the following semester the best way that I could since I had not only been left behind in my studies, but also because I had no other option. In December 2014, I went back to my home country the day after completing my final exam for the 2014 fall semester. While in my home country, I was able to receive some treatment and as a result, I felt better than I had for months. When I returned to Canada in early January 2015, I brought some drugs that had been prescribed for me by my doctor and these were intended to not only keep me healthy, but also to reduce the size of the nasal sinus cyst. The doctor further recommended that I only undergo surgery after completing my

Cause and Effect Paper Essay Example | Topics and Well Written Essays - 750 words

Cause and Effect Paper - Essay Example As the demand increased across the spectrum, housing demand was also rising. This led to an inflation of house prices which in turn attracted more and more people to buy houses as investment in property began to be considered as an investment that was bound to yield a good return. Due to the increasing demand in the economy, the US government maintained a low rate of interest so that banks could lend more – and the banks were more than willing to lend to finance this consumer demand as it meant greater profits for them. Statistics suggest that the total loans outstanding for banks increased from 99% of GDP in 2000 to 132% of GDP in 2007. Mortgage loans also saw a similar increase in lending – from 48% of GDP in 2000 to 73% of GDP in 2007 (McKinsey, 2010). During this period, as bank lending increased, the focus of banks began to shift from looking at the fundamentals of lending to looking at volumes and profitability of loans. Therefore, they started lending heavily to subprime borrowers - borrowers with a poor credit rating - and these borrowers were attractive for banks as they could charge a higher rate of interest to these customers. In order to hedge against these risky loans, the banks also started selling Mortgage Backed Securities (MBS) which were bonds payable against receipt of housing loan installments. The increasing demand of loans led to an increase in interest rates for lending. As a consequence, financing and refinancing became costlier and loans were no longer easily available to pay installments or to fund further demand. This caused a reduction in demand in the housing sector as well. With a reduced demand, the prices of houses stopped increasing – in fact, they began to fall. Now, subprime borrowers found it increasingly difficult to sustain their installment payments as the value of their assets (house prices) began to run below their liabilities (loans outstanding). This further caused them to default on their payments . This defaulting of payments had two important effects – banks lost the money they had lent and had to write off the loans, and MBS were no longer paying the return they promised to pay. As a result, insurers and investment banks who had promised payments in case of failure of these MBS incurred huge losses. All financial institutions had to suffer these losses and the worst hit were banks like Citibank, insurers like AIG, and investment banks like Lehman Brothers. Due to these losses, consumers lost confidence in several of these financial institution and most banks saw a bank-run – when depositors line up outside banks to demand their deposits. In the end, some of these companies had to shut down, and many other financial institutions had to be bailed out by the US government to keep them running. All of this, led to a severe downturn in the US economy. Another important implication of this downturn was that the credit rating agencies were blamed for not being proac tive and reviewing properly their ratings for the financial companies. This downturn led to companies reducing their costs to stay profitable. They did so by firing their staff and by stopping their recruitment. Consequently, unemployment started to increase in the US economy reaching 9% which led to further lowering of consumer confidence and demand. In order to prevent the situation from getting worse, the central bank reduced its interest rate to near zero level and increased the money supply heavily. However, due to

The Relationship Between Grete And Gregor Samsa English Literature Essay

The Relationship Between Grete And Gregor Samsa English Literature Essay Franz Kafkas The Metamorphosis was first published in 1915. The short story depicts the struggle of a family trying to cope with the insect transformation of the antagonist, Gregor. While there are multiple themes displayed in Kafkas text, the relationship between Gregor Samsa and his younger sister, Grete, is perhaps one of the principle themes in this short story. Once a close and loving relationship between Gregor and his sister, their bond slowly erodes over time as she grows older and the family matters continually worsen on account of Gregors metamorphosed appearance. In the second section of the story, after Gregors transformation, Grete is the only one of the family members to attempt to care for Gregor and seemingly really sympathize with his condition. Gregors Mother is shocked by his appearance, she cannot bear to see him, and his father is hostile and violent toward his son. Although still fearful of his new insect form, Grete still shows genuine affection for Gregor and on her own makes the decision to care of him consequently making her the only one to face Gregor on a daily basis. She feeds him and takes careful notice of what his new appetite prefers. In order to discover which foods Gregor liked and disliked, she brought him a wide selection that she spread out on an old newspaper. There were old, half-rotten vegetables, bones left over from the evening meal covered with congealed white sauce, a few raisins and almonds, some cheese that Gregor had considered inedible two days ago, a slice of dry bread, a slice of bread and butter, and a slice of bread and butter with some salt (pg. 290). Gregor greatly appreciates this as he is able to show his sister what foods he really does enjoy. Aside from becoming the self appointed caretaker of Gregor, Grete also assumes the role of Gregors spokesperson to the family. After attending to Gregor in the evening she had to give a detailed report about how the room looked, what Gregor had eaten, how he had behaved [that] time, and whether perhaps some slight improvement was noticeable (pg. 294) Grete serves as the only link between Gregor and the mother and father. Gregor is very grateful for his sisters intricate care and he feels quite comfortable as an insect with high hopes that everything will return back to normal. In an attempt to again accommodate Gregors new needs, Grete decides it would be best to remove the furniture in his room in order to allow more crawling space for him. After convincing her mother this is a good course of action, they decide to remove the furnitu re while the father is not present due on account he may disapprove or violently interfere. Although Gretes actions were of good intention, her plan ends in disaster when Gregor attempts to stop the removal of his furniture and shocks his Mother provoking his father to attack and injure him. Thus ensues a great severance in Gregors relationship with his sister. Signs of change in Gretes demeanor and behavior toward Gregor are first seen toward the end of the second section in the story. Grete undoubtedly begins to forget that this insect is her brother and that he still manifests human feelings and desires. She becomes less sensitive in her actions when attending to Gregors den as it is now referred to. In one paragraph, Grete is shown frantically tearing the window open to allow fresh air into the dank and musty air filled room. She seems to even become less tolerable of her brothers appearance over time. On one occasion she came a little earlier than usual and caught Gregor as he was looking out the window, motionless and terrifyingly uprightà ¢Ã¢â€š ¬Ã‚ ¦.but not only did she not enter, she also actually jumped back and shut the door (pg.294). Completely inconsiderate of her brothers feelings she has made it known to him that she can no longer bare the sight of his insect form. Gregor in a selfless act to save his sister from having to see him takes on the daunting four hour task of draping the sheet over the couch he hides under thus hiding him from anyones view. Even the first words You Gregor, (pg. 297) spoken by Grete to Gregor are those of anger and distaste with a raised fist after the mother had fainted at the sight of her son. After the events on that night, the family increasingly becomes more morose and distracted to pay much attention to Gregor. 4 In the third section, Grete, has earned a job as a salesgirl and begins to neglect taking proper care of Gregor. When feeding him she [no] longer [considered] what might give Gregor some special pleasure, the sister now quickly pushed any old food into Gregors room with her foot before she rushed off to work both in the morning and at noon; then in the evening, not caring whether the food had only been nibbled at or -most frequently left completely untouched (pg.302). Grete, now working, puts her other tasks first and foremost before her brother suggesting he has become less important to her, that he is no more than a nuisance in the household. Gregors room is even described as filthy with the walls and floor covered in grime and dust and although it is Gretes duty to clean the room it is done so in a manner so careless and with such great haste that it makes little or no difference. Gregor annoyed and angered by the state of his room would stand in particularly offensive corners wh en the sister came in as if intending to reproach her (pg. 302). He is quickly becoming more hostile toward Grete who now regards Gregor not so much as he brother but more of a routine chore. The arrival of the three boarders prompts the family to carelessly throw any unwanted items into Gregors room where they pile up around him allowing very little movement. His sister is now much more occupied assisting her mother and father with other chores and pleasing the boarders who are very specific and particular. Grete, along with her mother and father, has seemingly forgotten about Gregor by now. Gregor lies in his room amidst the junk and garbage during the day now, his true metamorphosis into a horrifying insect nearly complete. One night, after the family and the three boarders have finished their dinner he hears the sound of Grete playing her violin from the living room. Attracted to the beautiful playing of the violin, he ventures out from his room hardly 5 surprised that he had recently begun to show so little concern for others; previously such thoughtfulness had been his pride (pg. 304). Gregor has grown shameless and inconsiderate similar to his sister. As he makes his way out to the living room to better hear the violin, he has strange disillusions of reconciling with his sister and taking her to his room to play violin for him. He imagines telling his sister hes sending her to the Conservatory to study music and that [she] would burst into tears of emotion, and Gregor would raise himself up to her shoulder and kiss her on the neckà ¢Ã¢â€š ¬Ã‚ ¦ (pg. 305). There is still hope residing within Gregor that he can set things right and have the relationship with his sister he once had. Whilst imagining all of these false fantasies he is spotted by one of the middle boarders who is so disgusted by the sight of him declares he refuses to stay there any longer along with his two companions. This is the moment in which Grete has finally had it with Gregor and ultimately betrays him. Grete even abstains the use of her brothers name when she cries to her parents I refuse to utter my brothers name in the presence of this monster, and so I say: we must try to get rid of it (pg. 306). Gregor is no longer referred to by name or even he. He becomes it, not a person, but a thing. Grete no longer sees any human left in her insect brother, [if] this were Gregor, he would have realized long ago that  human beings cant live with such a creature, and hed have gone away on his own  free will (pg. 307). Upon Gregors arrival to his room, his fate is sealed with Gretes turn of the key locking him within his room to die. In his final moments Gregors thoughts focus back to his family with tenderness and love. His conviction that he must disappear was, if possible even stronger than his sisters (pg. 308). He peacefully comes to terms with his sisters actions and dies within the early ho urs of the morning. 6 While Gregor has undergone and fatally suffered his metamorphosis, the family is now free to prosper and can now look forward to the hopeful future of Grete for she had blossomed into a good-looking and well-developed girl (pg. 310). Although Gregors physical appearance had changed, his personality remained the same. Grete on the other hand had changed also, not only in looks but in her personality as well. Once a loving sister, she eventually comes to seemingly hate Gregor, and condemn him. She has evidently replaced Gregor in the family being the new young and responsible child with a bright future like Gregor once had. Ironically the family he had wished and worked so much for especially Grete had ultimately caused him his demise. Gregor had planned to give Grete a bright future and see that she was successful in her pursuits, but when he needed her most, she had abandoned him. Although Gretes neglect, abuse, and lack of care for Gregor had killed him, he still died peacefully w ith unconditional love for her.

Planning marketing activities Essay

Conduct a situation analysis for your organization, or an organization you have researched, by preparing a report with the following sections: Organizational analysis The first component is the expansion of the gaming audience and drawing in new people. The company’s most recent endeavour, the Wii console has been very successful in attracting user who traditionally would not have played video games. Another example of how they have expanded their audience is through the Nintendo DS. They were able to appeal to the female audience through the Nintendo’s game, and were able to appeal to an older audience through the Brain Training game. The second component of the vision is devotion to the entertainment business. This is reflected by the company’s attitude to the collaboration of its employees. The company is a strong advocate of allowing different employee groups, such as engineers and programmers. The result of this collaboration is that groups work on products and no single person takes credit for product. The third aspect of the company’s vision is risk and the encouraging of employees to make creative decisions to c hallenge the notion of what a video game is capable of being. Customer analysis: Identify the major customer segments by preparing the following analysis (for each complete only the section relevant to your organization and add any others you feel are relevant). What does the customer buy from the organization? Demographic characteristics a) Age b) Gender c) Income Where does the customer come from? a) Local b) Regional c) National Psychographic characteristics a) Social class b) Lifestyle c) Values Benefits are sought by the customer a) Safety b) Performance c) Aesthetics d) Social Has the customer purchased the product from the organization before? a) Yes b) No How frequently does the customer buy? a) Daily b) Weekly c) Monthly How much does the customer buy each time? New releases Is the customer loyal to the brand? Yes How does the customer decide which brand to buy? For technology and History Where does the customer prefer to purchase the product or service? Retail Store Competitor analysis: Analyze each major competitor against the following criteria. Name of competit-or Current or potential competit-or Direct or indirect competit-or Product/service offerings Market position/brand image Size, growth and market share Competi- tive advantage Brand image and market position Xbox Current Direct Games 28% connectivity Online games Sony Current Direct Games 33% Resolution State-of-art graphics Apple Current Indirect Tablets & iPhones 3% Integrated w/ mobile Practical & useful Political analysis Filibustercartoons.com state that Nintendo’s previously had strict policy in relation to video game violence and sexual reference. In the early 1990’s Nintendo had a strict no blood policy and refused to publish violent video games. This policy has since been relaxed and video game censorship is now run by independent boards which give games appropriate age rating depending on their content. These include The Pan-European Game Information (PEGI) age rating system. The system was established in 2003 to guide parents in making informed decisions when purchasing video games for their children (Pan European Game Information, 2007). Nintendo still does not publish graphical violent games themselves, but allow third party publishers to release the games on their systems. Economic analysis If a country’s economy is performing well, people will generally have a higher level of disposal income. In order to be successful a high disposal income is not enough there needs to be an interest in the market. Nintendo selling their products at the lower end of the price scale makes their product affordable to large audience including those who do not enjoy a strong disposal income. This is not the case for Sony who products tend to be quite expensive as seen with the â‚ ¬630 price tag on the Playstation 3, which is possibly too expensive for the average person. Nintendo on the other hand, sold the Wii at a more affordable â‚ ¬270 price tag. The same applies for the games for the system. The Wii games range from 45-60 Euro and the PS3 games can cost up to â‚ ¬75. Social analysis Video games have been part of adolescent life world wide now for several years. Many teenagers play video games together both online and at home together. In some cultures especially Japan, video games formed a significant part of young people’s lives. Nintendo is using this to appeal to a wider audience with the Wii and the DS by providing an online community where friends can link up and play games together free of charge anywhere there a Wi-Fi hub. Nintendo is also trying to make video games an activity that an entire family can take part in and for the most part have been  successful. Technological analysis Web Browser for the Nintendo DS: InternetAdSales.com (2006) writes that a Wed browser for Nintendo’s DS was launched in Europe on 6th October 2006. The browser is powered by software from the Opera Company. The device is designed in a similar fashion to a standard DS game cartridge and is available in two versions; one is compatible with the classic Nintendo DS and the other is designed for the smaller DS Lite. The browser utilises the DS’s two screens for navigating the web in addition to providing the touch capabilities unique to the DS. Users may access the Internet via wireless networks at home, at one of Nintendo’s free Wi-Fi Connection Hotspots, or at any public access hotspot. Wii Remote (â€Å"Wiimote†): BBC (2006) states that the remote for Nintendo’s Wii console resembles a television remote control and provides users with the means of interacting with a game environment. It can be utilised to stab like a sword, steer like the steering wheel of a car, and swing like a tennis racket. Nintendo have created this new controller in the hope that it will allow for the broadening of the console’s appeal. The device functions through a three-axis accelerometer, i.e. a motion sensor, which is capable of detecting the angle at which the controller is being held at and how fast it is being moved. It interfaces with the Wii console in a wireless manner via Bluetooth, a short-range wireless technology. This interface is achieved through a senor bar, which is generally mounted on top of the user’s television. Nintendo DS Wireless Technology: Mobile Technology News.com (2007) writes about how the Nintendo DS allows users to interact with games in an unprecedented way via the dual screens and touch screen technology. In addition to this, the wireless technology feature of the DS permits users to experience real-time multiplayer gaming. The Nintendo Wi-Fi Connection service, which is free, allows users to compete against other users from around the world. SWOT analysis: Complete a SWOT analysis using the diagram below Internal analysis STRENGTHS †¢ Strong network of game licensees †¢ Strong global market position †¢ Had strict policy in relation to video game violence and sexual reference †¢ Innovation in Remote in Blu-ray WEAKNESSES †¢ Nintendo’s policy of having a large number of its game titles designed by the company’s own game designers †¢ Wii doesn’t play DVDs/Blu-rays External analysis OPPORTUNITIES †¢ Opening up its software to a wider audience. THREATS †¢ The company claims that the motion-sensitive controller can be copied. †¢ The Wii controller resembles a television remote and has a trigger under the front end. Market analysis: Market definition Market size and growth rate. Nintendo’s contenders in the portable market are the Game Boy and the DS. Over the years, the Game Boy has faced competition from companies such as Sega, Atari, SNK, Bandai, Nokia and now Sony. Even with rival’s machines been technically superior, Nintendo’s handhelds have come out on top time and time again. Nintendo proved with the Game Boy and now the DS that it is not what you have it is how you use it that counts i.e. instead of adding fancy graphics and numbers of additional unnecessary features, Nintendo spent its time securing key franchises such as pokemon and Tetris. They also greatly increased their machines’ battery life. Nintendo’s handhelds  over the years have boasted battery life of up to 15 hours depending on how the machine was used compared to 3 hours or less form Sega’s and Atari’s machines. This was due to the unnecessary battery hogging feature competitors’ machine featured. This has helped Nintendo domin ate the portable market for close to 18 years. Today the Nintendo DS out sells the Sony PSP in all regions. Part B 1. Prepare a report analyzing the marketing activities, policies and procedures of your organization or an organization you have researched. Price The price of games is quite interesting. Nintendo uses a series of pricing strategies throughout the product life. As the product becomes adopted they will begin to reduce the price of competitive parity, and as you reach the end of their life cycle games will be priced promotionally until they hit the bargain bucket. Place The product is distributed in a number of ways. Nintendo manufactures and distribute it to retailers through wholesalers for you. Some very large national accounts will be handled directly because of the huge volumes they buy. Nintendo is available on the street in all major electrical retailers and games, as well as being sold online by known retailers like Amazon.com and play.com, and you can find one or two second-hand bargains on eBay. with.Distribution is ripe for Nintendo and there are few avenues for the market they do not pursue. Promotion When Nintendo launches new products. For example, when the company launched the Nintendo 3DS, a series of special days of release, and even some launch events at midnight. Fans of Nintendo product has a chance to have a go at the new Nintendo system, first buyers get a free box of transportation, and there is always free gifts such as shirts and caps. The launch campaign demonstrates a great effort by Nintendo. For example, over 85% of audience  in the UK saw the Nintendo 3DS called campaign believe his eyes. The campaign itself was emphasize the benefits of 3D experience. The campaign was a mash up of consumers who experience the product and innovative advertising. 2. Analyze the previous marketing activities of the organization and evaluate the effectiveness of each activity. Previous marketing activity Effectiveness Launch of SuperNintendo Highly effective. It put Nintendo in the first positions of videogame console makers Launch of Nintendo 64 Highly effective. The console and its control were considered great innovations. Launch of Nintendo Wii Highly effective. Nintendo Wii was a true innovation in the world of games with its blu-ray technology and the idea of making people move their bodies rather than just their fingers. Launch of Nintendo DS / DS 3D Effective. Nintendo DS was seen by some as a reformulation of the previous GameBoy and therefore not so effective. However, Nintendo DS 3D was considered highly innovative as it allowed the users to enjoy the 3D effects without having to use any other gadgets (i.e: 3D glasses). Intercommunication among Nintendo DS 3D Effective. It allowed different users to connect their videogames and share data as well as interact. 3. Classify the organization’s current marketing strategy as either a cost-leadership, differentiation or focus strategy. Differentiation 4. Explain how this strategy affects the marketing activities the organization will use in the future. Instead of competing for lower prices, Nintendo seems to continuously search for new usages and technologies, in order to maintain its position as a leader and innovator. 5. Analyze the current marketing mix. Marketing mix element Analysis Product Feature Benefit/s Wii Console In two different colors (but it can be customized if wanted) Smaller than its competitors Considered fashionable Wii Remote Blu-ray technology It allows motions and real activity Games No violence or sex-related topics are allowed A wide range of choices Price Prices charged for the organization’s products and services Around AU$190.00 Organization’s prices strategy Nintendo’s strategy is in differentiation, always trying to bring something new for their costumers and therefore, their price strategy conveys with it. Promotion Promotional tools used by the organization Internet, Printed media, Television, Outdoor Media, Promotions and Events, etc. Organization’s promotional strategy Nintendo uses all range of media to promote their products. Placement Type of distribution channel – direct or indirect Mainly indirect, via retailers, shops, department stores, etc.

High School Cliques - 808 Words

Every school has cliques; small groups of people with similar interests who hang out exclusively with one another. But are cliques harmful to the high school environment? The definition of a clique can go down to a specific detail and its effect has a wide range. Cliques tend to stay on the negative side, so is the 5% of positivity enough to keep high school a safe environment? The classification of cliques is based off of the labels students are given. Labels are usually given to students in middle school and they only get stronger and more detailed throughout high school. Students are labeled and the cliques that accept them are based off of that label. For example, a girl that has a poor reputation and has been labeled â€Å"easy† would join a group of â€Å"players† or other girls that have been labeled the same as her. A guy that is in band, enjoys school, and has straight A’s would get the label â€Å"geek† or â€Å"band nerd† and he would sti ck to the clique the band students have formed. The cause of cliques is a teens craving for emotional satisfaction. A teen gets a feeling of belonging once they’ve been accepted in to a clique. Another cause is a teen’s personality, which leads in to common interests: sports, shopping, school work, band, drugs, alcohol, etc. â€Å"Judging and being judged have always been an unofficial part of the high school curriculum and it increases the chances of cliques† and â€Å"To fit in is important biologically; we live in groups and we want to fit in and when aShow MoreRelatedHigh School Cliques896 Words   |  4 PagesCliques in Schools High school has always been a tough time for most teenagers. It is a time when classes are harder, schedules are tighter and most students are twice as mean. High school â€Å"marks a time of extensive and sometimes rapid growth for adolescents† (Clique Formation). A step up from junior high, â€Å"the unfamiliar environment subjects students to vast array of new experiences, problems and decisions† (Clique Formation). Most teenagers experience problems once they hit high school like peerRead More High School Cliques Essay791 Words   |  4 PagesHigh school is a combat zone. Perhaps incognito, high school is vile in all ways, shapes, and forms. High school is destruction of humanity. From blondes to redheads, and albinos to bronzed beauties, there is no fair play. Manipulation, deceit, lies, and forbidding grades are the fate of these entire helpless quarry. After many devastating centuries, mankind has learned to adapt to this revolution. Fighting for freedom and mol ding to the staggering state of affairs, students have mastered separationRead MoreEssay about High School Cliques1205 Words   |  5 PagesHigh School Cliques High school cliques are typical during teenage years, giving members a feeling of acceptance and belonging. But I believe that cliques conversely damage a teen’s self esteem. The high school should get involved in helping all students feel more â€Å"socially included†. How can a student feel like they socially fit in? It is the responsibility of the high school to create an atmosphere for the student body which promotes acceptance and inclusion of other kids, allowing kidsRead MoreTaking a Look at High School Cliques569 Words   |  2 PagesIn high school surviving is the hardest things to do, when anyone first come there. The best thing to do is finding a clique of people and join them. Finding different cliques are not that hard, but knowing who they are and adapting the environment is one of the hardest thing to do in high school. Finding a wrong clique can lead anyone straight down to a life of hell or worse. Students who entering high school can identify th e types of cliques of student are in, and join up with whatever cliques thatRead More The Effect of Cliques on High School Students Essay examples1563 Words   |  7 PagesThe Effect of Cliques on High School Students Most college freshman can still vividly remember their high school days. These days included ruling the school as seniors, or running from the seniors as lowly ninth graders. These days included having lunch with friends, and gossiping in the hallways between classes. Whatever was done, it was usually done with a friend or a group of friends. Most of these groups can be considered cliques. Cliques are groups where there is some kind of commonRead MoreHigh School vs College Essay1236 Words   |  5 PagesCompare and Contrast Essay High School vs College Having a good education is the key to becoming successful in life. It is a proven fact. This achievement requires not only graduating from high school, but also from college. Moving from high school to college may be an exciting transition, but it is also a very difficult one. It is a challenge that the student will struggle with and eventually adjust to over time. Although there are many differences between high school and college, one should notRead MoreCliques Can Affect Your Educational Performance1279 Words   |  6 Pages Cliques have existed since we were young. You’ve experienced cliques in one way or another, whether it be that group of kids that never talked to anyone but each other, or all of the smart kids that would do their homework together. Even clubs and activities often create cliques, whether intentionally or unintentionally. Deciding if these cliques are good or bad things is often debated, with no conclusive evidence favoring either side. A ten year old student from Carrolton School in Florida wroteRead MoreAnalysis Of The Movie The Towns 779 Words   |  4 Pagestheir own identity. High School Cliques Just like any typical high school the viewer is able to see the different cliques. The two cliques that were presented in the film were the popular teens and the nerds. Quentin and his friends were the nerds because they were in band, focused on SAT exams, never skipped school, did not party or drink, and had high grades (Browen et al., 2015). These are characteristics that are typically given to non-popular kids or nerds during high school. On the other handRead MoreWilliam Damon Is An Educator / Researcher On Psychology And Education1597 Words   |  7 Pagesrelationships and a high level of emotional closeness is built. Regardless of age cliques and crowds always develop among children and adults. A clique is a group of member that share common interests, often are of the same gender. The members of the group are often labeled or stereotyped. Crowds are very similar to cliques, both shape the minds of children on how they should act or how they should be. Both add pressure to a dolescents under peer pressure such as drinking, smoking, skipping school, or sex inRead MoreOutsiders : Outsiders And Stereotypes928 Words   |  4 Pages If you were to walk into a high school lunchroom, what is the first thing you would see? Groups, cliques, friend circles, and separations. Tables split up in detached formations, almost completely unaware of the other surrounding pupils nearby. The most common groups in high school are the populars and the outcasts; the kids who have endless friends, engage in team sports, and meet the ideal teenage standards, against the ones who are quiet, solitary, and unconventional. The ones that are outcasts